I'm not sure that I understand your question.
First of all, the query you post makes little sense. Since the value of getdate() changes every millisecond (more or less), the likelihood that it would match the max(insertdate) is small. Did you mean that you want to test by the date only, disregarding time? In that case, you would need to write:
convert(date, MAX(insert_date) = convert(date, getdate())
As for the question about 25%, the business rules are not clear to me. For many of the questions where people are asking for how to craft a query, we recommend that you post the CREATE TABLE statement for your table(s), together with INSERT statements with sample data and the expected result given the sample. That helps to clarify, and also make it easy to copy and paste into a query window to develop a tested solution.